Nearly a hundred and eighty years ago an American engine was built to make special financial benefits available to all citizens. It was perfect. It worked. It was risk and maintenance free. It had inherent social and tax benefits that remain sacred today.

It’s that time again…the holidays are quickly creeping up on us. Are you prepared? Have you gotten all of your shopping done? Can’t think of what to get the people who seem to have everything? How about your children or grandchildren…got them squared away?